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Mizrahi Tefahot Bank Ltd (IL:MZTF)
:MZTF
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Mizrahi Tefahot (MZTF) AI Stock Analysis

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IL:MZTF

Mizrahi Tefahot

(OTC:MZTF)

Rating:81Outperform
Price Target:―
Mizrahi Tefahot's strong revenue and profit growth, robust balance sheet free from debt, and excellent cash flow generation highlight its solid financial health, contributing significantly to its score. Positive market momentum and strong technical indicators support its favorable position. Additionally, an attractive valuation with a low P/E ratio and high dividend yield further boosts the overall score. These factors combined indicate a strong performance outlook for the company.

Mizrahi Tefahot (MZTF) vs. iShares MSCI Israel ETF (EIS)

Mizrahi Tefahot Business Overview & Revenue Model

Company DescriptionMizrahi Tefahot Bank Ltd. (MZTF) is one of Israel's leading financial institutions, offering a comprehensive range of banking services. The bank operates primarily in the sectors of personal banking, commercial banking, and mortgage financing. It provides a variety of financial products, including loans, deposits, and investment services, catering to individuals, small businesses, and corporate clients. Mizrahi Tefahot is particularly known for its expertise in mortgage services, holding a significant share of the Israeli mortgage market.
How the Company Makes MoneyMizrahi Tefahot Bank generates revenue through multiple streams, primarily from interest income on loans and mortgages, which constitute the majority of its earnings. The bank also earns from fees and commissions associated with its banking services, including account management, transaction services, and investment advisory. Additionally, the bank benefits from trading and investment activities, contributing to its financial performance. Strategic partnerships and its strong market position in the mortgage sector further enhance its revenue-generating capabilities.

Mizrahi Tefahot Financial Statement Overview

Summary
Mizrahi Tefahot exhibits solid overall financial health with strong revenue and profit growth, a robust balance sheet free from debt, and excellent cash flow generation. The company's financial structure is stable with low leverage, and it demonstrates effective profitability and cash management. These strengths position the bank well for sustained performance and potential future growth.
Income Statement
85
Very Positive
Mizrahi Tefahot has demonstrated strong revenue growth with a 10.14% increase from 2023 to 2024. The net profit margin improved to 37.18% in 2024 from 36.85% in 2023, indicating effective cost management and profitability. The gross profit margin remains robust at 100%, as typical for banks. The EBIT margin also shows substantial strength at 64.76%, reflecting efficient operations.
Balance Sheet
80
Positive
The company's balance sheet is strong, with a debt-free position in 2024, indicating excellent management of funds. Return on Equity (ROE) improved to 17.43% in 2024 from 17.88% in 2023, showcasing profitability relative to shareholder equity. The equity ratio increased to 6.44%, reflecting a stable financial structure. These metrics suggest financial stability and low leverage risk.
Cash Flow
75
Positive
Operating cash flow increased significantly in 2024, indicating strong cash generation capacity. Free cash flow also saw a remarkable growth of 345.13% from 2023 to 2024, suggesting efficient capital expenditure management. The operating cash flow to net income ratio stands at 2.64, highlighting strong cash conversion from profits. The company shows robust cash management, despite large fluctuations in investing cash flows.
BreakdownDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue28.65B13.32B13.24B10.25B7.85B
Gross Profit14.20B14.53B13.24B10.25B7.85B
EBITDA9.27B0.000.000.000.00
Net Income5.46B4.91B4.47B3.19B1.61B
Balance Sheet
Total Assets485.64B448.20B428.29B392.27B360.14B
Cash, Cash Equivalents and Short-Term Investments82.64B85.96B93.67B95.27B86.57B
Total Debt0.0037.81B34.07B38.66B34.08B
Total Liabilities452.91B419.50B403.42B370.54B340.47B
Stockholders Equity31.29B27.46B23.78B20.77B18.80B
Cash Flow
Free Cash Flow13.77B3.09B1.36B3.79B4.78B
Operating Cash Flow14.38B3.53B1.75B4.13B5.06B
Investing Cash Flow-43.35B-20.46B-34.40B-25.12B-4.29B
Financing Cash Flow25.08B9.84B30.38B30.24B35.53B

Mizrahi Tefahot Technical Analysis

Technical Analysis Sentiment
Neutral
Last Price21050.00
Price Trends
50DMA
20898.82
Positive
100DMA
19214.25
Positive
200DMA
17542.35
Positive
Market Momentum
MACD
64.78
Positive
RSI
46.61
Neutral
STOCH
24.48
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IL:MZTF, the sentiment is Neutral. The current price of 21050 is below the 20-day moving average (MA) of 21892.50, above the 50-day MA of 20898.82, and above the 200-day MA of 17542.35, indicating a neutral trend. The MACD of 64.78 indicates Positive momentum. The RSI at 46.61 is Neutral, neither overbought nor oversold. The STOCH value of 24.48 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for IL:MZTF.

Mizrahi Tefahot Peers Comparison

Overall Rating
UnderperformOutperform
Sector (74)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
84
Outperform
$24.13B10.3517.88%392.78%14.92%9.16%
81
Outperform
$56.01B10.1818.08%402.63%13.33%10.71%
80
Outperform
$83.86B10.4814.26%270.27%14.61%3.90%
77
Outperform
29.77B13.84
360.08%-11.69%105.99%
74
Outperform
15.46B18.2916.30%219.36%8.25%25.93%
74
Outperform
$40.78B9.6413.82%317.38%10.93%2.20%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
IL:MZTF
Mizrahi Tefahot
21,050.00
8,686.08
70.25%
IL:POLI
Poalim
6,400.00
3,205.82
100.36%
IL:FIBI
Fibi Bank
23,680.00
9,709.42
69.50%
IL:DSCT
Discount
3,261.00
1,469.41
82.02%
IL:PHOE
Phoenix
11,630.00
8,313.35
250.66%

Mizrahi Tefahot Corporate Events

Mizrahi Tefahot Appoints New External Director
Feb 17, 2025

Mizrahi Tefahot Bank Ltd has announced the appointment of Mr. Gilad Rabinowitz as an external director, following approval from the Supervisor of Banks. This strategic move is expected to strengthen the bank’s governance, potentially impacting its market position positively.

Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Apr 16, 2025